Fire & Allied Perils

Fire & Allied Perils

1. Fire Policy: This covers insurers against the risk of losses or damages due to fire and lightning only.

2. Fire and Allied perils: Adding to the above mentioned cover, this type of policy covers a number of additional perils which may differ from one policy to another but most usually include the following perils:

Explosions

Storms, tempests and floods

Earthquakes, volcanic eruptions

Aircraft or any other aerial devices or articles dropped from impact damage by your own or any third party road vehicles, horses or cattle

Bursting or overflowing of water tanks, apparatus or pipes

Loss of profits or the interruption of business

Loss of Rent

Third party legal liability including the liability of landlords towards their tenants

Tenants liability towards their landlords

Strikes, riots & civil commotions

Malicious damage

Theft/Burglary following a forcible entry/exit from the insured premises

Accidental damage to plate glass fixed to the buildings

Removal of debris expenses following losses or damages to the insured property

Fire brigade charges and extinguishing expenses

Architects, surveyors and legal and consulting engineeing fees

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This policy covers all risks of physical loss, destruction or damage to the insured property which occurred during the policy’s period and is subject to certain terms, conditions and exclusions. This policy provides a wider coverage range than the Fire and Allied Perils insurance policy. Noting that the PAR policy can be tailor made depending on the profession clients and their requirements.

This policy covers insured individuals against the legal liability that may arise out of an act of negligence against the losses or damages to third party properties, bodily injuries or deaths and legal expenses incurred in defending the liability with the consent of the insurer.

This policy covers death / disability arising out of an accident. The cover can be given on a 24 hour basis and a worldwide basis as well to employees during their vacation / business trips. Disability cover is also available for permanent total, permanent partial and temporary disabilities. Moreover, the policy can further be extended to cover the following additional benefits: